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Evidence · Home and contents insurance

Every question, every answer, every source

Explore all 372 home and contents insurance questions and the 1,476 answers saved on 11 October 2026. Read the original responses and download the tables behind the study’s comparisons, sources, sentiment and factual checks.

questions
372
answers saved, of 1488 planned
1476
consumer situations
12
named regions
16
AI platforms
4

01

Every question, with its answers

Each question went to the four AI platforms. All were collected with a New Zealand setting. Open a question to read every captured answer in full.

Showing 20 of 372 questions

Show all 372

02

The tables behind the study

Every figure on the study page comes from these tables. They are CSV files, which open in any spreadsheet.

  • Questions

    questions.csv

    One row per question, with its exact saved wording.

    Question ID, source references, question, consumer situation, named regions, question group and collection setting

    372rows

    Download questions (CSV)

  • Answers

    answers.csv

    One row per captured answer, with its full text.

    Answer ID, question ID, platform, collection setting, consumer situation, named regions and full answer

    1,476rows

    Download answers (CSV)

  • Sources by answer

    sources.csv

    One row per website recorded as a source of an answer.

    Answer ID, question ID, assistant, collection setting, website and publisher type

    9,014rows

    Download sources by answer (CSV)

  • Checks against primary sources

    checks.csv

    One row per stated assertion checked, for one platform.

    Check, question and answer IDs, assistant, exact passage, verdict, primary-source finding, URL and date

    97rows

    Download checks against primary sources (CSV)

  • Consumer recommendation coding

    consumer-recommendation-coding.csv

    One row per reviewed provider role in a consumer-selection answer.

    Answer ID, question ID, consumer, platform, provider, role, counted recommendation, exact passage and conditions

    659rows

    Download consumer recommendation coding (CSV)

  • Consumer selection membership

    consumer-selection-membership.csv

    One row per answer in the matched consumer-selection comparison.

    Answer ID, question ID, consumer, platform, question group and full text; twelve home and twelve contents selection questions, with missing captures preserved

    94rows

    Download consumer selection membership (CSV)

  • Ongoing support coding

    support-coding.csv

    One row per reviewed named-provider role in an eligible support answer.

    Answer ID, question ID, consumer, platform, provider, role, support-preference decision and exact passage

    75rows

    Download ongoing support coding (CSV)

  • Ongoing support membership

    support-membership.csv

    One row per answer in the actual consumer-support group.

    Answer ID, question ID, consumer, platform, question group and full text; acquisition validation is excluded

    71rows

    Download ongoing support membership (CSV)

  • Regional recommendation coding

    regional-recommendation-coding.csv

    One row per reviewed provider role in a region-named selection answer.

    Answer ID, question ID, named consumer region, platform, provider, recommendation decision and exact passage

    1,017rows

    Download regional recommendation coding (CSV)

  • Regional selection membership

    regional-selection-membership.csv

    One row per answer in the matched regional comparison.

    Answer ID, question ID, named consumer region, platform and equal-comparison membership; four home and three contents platform answers per region

    112rows

    Download regional selection membership (CSV)

  • Insurer sentiment

    insurer-sentiment.csv

    One row per unique saved claim about an insurer in a selection answer.

    Claim, question and answer IDs, insurer, saved stance, exact passage and original-answer offsets

    3,828rows

    Download insurer sentiment (CSV)

  • Recorded source URLs

    source-urls.csv

    One row per recorded answer, website and URL association.

    Answer ID, question ID, platform, website, URL, source records and presence in the captured answer text

    13,048rows

    Download recorded source urls (CSV)

  • Matched consumer platform membership

    platform-membership.csv

    One row per answer in the identical-question platform comparison.

    Answer ID, question ID, product, consumer and platform; 22 identical questions per platform

    88rows

    Download matched consumer platform membership (CSV)

  • Matched regional platform membership

    regional-platform-membership.csv

    One row per answer in the identical-question regional platform comparison.

    Answer ID, question ID, product, region and platform; 31 identical questions per platform

    124rows

    Download matched regional platform membership (CSV)

Use these tables to trace findings back to the original questions and answers. The full text of each answer is also on this page, under its question.

03

Read in full and checked

Some answers were read in detail or checked against official sources. Those appear on the study page, beside the findings they support.

ChatGPT · New Zealand

I live in Northland and need contents insurance. Which companies should I get quotes from?

For Northland, I’d get quotes from a mix of the big national insurers and at least one comparison source or broker. Premiums can vary a lot by town, flood/coastal exposure, house type, security, claims history, excess, and the value of your belongings, so the “cheapest” insurer isn’t always the best fit.

These are the companies I’d put on your quote list:

  • AA Insurance — a good baseline quote; they offer contents cover with options for renters and homeowners. AA New Zealand
  • AMI Insurance — worth comparing, especially if you want bundled home and contents cover. Their contents policy includes cover for accidental loss, damage, and theft (subject to limits and exclusions). AMI Site
  • Tower Insurance — another major player with different levels of contents cover and a contents calculator. Tower Insurance NZ
  • NZI — often considered for broader or higher-value cover options. NZI Site
  • State Insurance — include it in your comparison, particularly if you already have other policies with them. Consumer NZ
  • FMG — especially worth checking if you’re on a lifestyle block, farm, or rural property; Consumer NZ includes FMG among insurers it compares for house and contents insurance. Consumer NZ
  • MAS — another option included in Consumer NZ’s comparison list. Consumer NZ

A few Northland-specific things I’d ask each insurer about:

  • Flood and storm cover: check exactly what is included and any exclusions, especially if you are near a river, low-lying area, or the coast.
  • Cyclone-related damage: ask how they treat wind, rain, flooding, and resulting damage.
  • Rural/lifestyle contents: if you have sheds, tools, outdoor equipment, generators, ride-on mowers, or farm-related items, make sure they are covered (many standard policies have limits).
  • High-value items: jewellery, firearms, artwork, collections, e-bikes, and electronics often have item limits unless specified.
  • Replacement basis: check whether items are replaced new-for-old or depreciated.

For a quick first round, I’d personally request quotes from AA, AMI, Tower, NZI, and FMG. Then compare the policy wording and excess, not just the annual premium. Consumer NZ also maintains a comparison of NZ house and contents insurers, which can help you shortlist providers. Consumer NZ

If you tell me whether you’re renting or owning, whether you’re rural/lifestyle block or town, and roughly the value of your contents, I can suggest which insurers are most worth prioritising.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I live in Northland and need contents insurance. Which companies should I get quotes from?

When shopping for contents insurance in Northland, it is best to get quotes from a mix of nationwide direct insurers, digital providers, and local brokers to compare coverage and premiums. Because Northland features a mix of coastal, rural, and lifestyle properties—which can sometimes influence risk assessments or weather-related pricing—obtaining multiple quotes is recommended.

Consider getting quotes from the following providers:

1. Major Direct Insurers (New Zealand-wide)

  • AA Insurance: Frequently top-rated for customer trust and service, and they offer multi-policy discounts if you bundle with car or house insurance.
  • AMI & State: Two widely used brands under the IAG umbrella with comprehensive policy options and straightforward online quoting.
  • Tower: Known for flexible tiers of contents cover (Standard, Plus, Premium) and digital-first policy management.
  • AMP: Offers practical contents packages with clear single-item and portable item limits.

2. Specialized or Alternative Providers

  • Initio: A popular online-focused option known for streamlined digital quoting, which can be helpful if you prefer managing policies entirely online.
  • FMG (Farmers Mutual Group): Particularly strong if you live on a rural property, lifestyle block, or farm in the wider Northland region (they also hold strong consumer satisfaction ratings).
  • Bank-Linked Insurers: If you bank with providers like Kiwibank, ANZ, or Westpac, it is worth checking their contents insurance quotes, as they often provide bundles or multi-policy discounts.

3. Local Insurance Brokers

If your property has unique features (such as high-value items, specific rural structures, or specific risk factors), working with a local broker in the region—such as Northland Insurance Brokers or Insured North—can help source specialized policies from underwriting markets that standard direct insurers might not cover as flexibly.

Tips for Comparing Quotes in Northland:

  • Check the Excess: Look closely at what the standard excess is, as well as any specific weather or natural disaster excesses.
  • Sum Insured vs. Declared Value: Make sure you use a contents calculator so you don’t accidentally underinsure your belongings, particularly given the rising cost of replacing household items.
  • Portable Items & Specified Valuables: If you regularly carry high-value items out of the house (like laptops, jewelry, or cameras), check whether they are covered nationwide or require a specific "portable valuables" add-on.
Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I live in Northland and need contents insurance. Which companies should I get quotes from?

AI Overview

To get contents insurance in Northland, you should request quotes from New Zealand’s top-rated consumer favorites , major mainstream insurers , and digital-first challenger brands. Because Northland has experienced extreme weather events recently, insurers use address-level, risk-based pricing. Getting quotes from multiple providers will ensure you find the best rate.

🏆 Top-Rated for Customer Satisfaction

These providers regularly top Consumer NZ’s satisfaction surveys for their service and claims handling.

  • FMG (Farmers Mutual Group) : Consistently rated highest for customer satisfaction in New Zealand contents insurance. They are excellent for both urban homes and rural/lifestyle blocks.

  • MAS (Medical Assurance Society) : Though originally for medical professionals, MAS is now open to the general public. They offer premium, highly rated coverage with excellent benefits.

🏛️ The Major Insurers (Comprehensive Cover)

These are the largest, most established brands in NZ, offering comprehensive "new-for-old" policies with wide-ranging protection.

  • Tower Insurance : Awarded Canstar's "Insurer of the Year for Home & Contents" three years running. They offer tiered options (Standard, Plus, Premium) so you can tailor your price.

  • AA Insurance : Extremely popular, offering great multi-policy and AA member discounts.

  • State Insurance : Part of the IAG group (NZ's largest insurer), offering solid comprehensive everyday cover with good online management.

  • AMI Insurance : Another massive, trusted brand known for stress-free claims and practical, straightforward policies.

⚡ Digital-First & Challenger Brands (Often Lower Premiums)

If you want a fast online experience or are on a budget, these brands are worth checking.

  • Cove Insurance : A modern, digital-first option that lets you manage your policy entirely online with highly flexible terms.

  • Trade Me Insurance : Underwritten by Tower, they often offer great value, especially if you already have a Trade Me account.

💡 Quick Tips for Northland Quotes

  • Check the Excess: Most companies default to a $250 or $300 excess. Opting for a higher excess (e.g., $500 or $1,000) will lower your monthly or annual premium.

  • Bundle and Save: If you have a car or house policy, getting your contents quote from the same provider usually unlocks a multi-policy discount.

  • Use a Calculator: Before getting quotes, use a tool like the Cordell Sum Sure calculator or the insurer's internal calculators to accurately estimate the cost to replace all your belongings "new-for-old".

To help me give you more specific advice, are you renting/flatting or do you own the home? Also, do you have any high-value items like expensive e-bikes, jewellery, or camera gear to cover?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

I live in Northland and need contents insurance. Which companies should I get quotes from?

When shopping for contents insurance in Northland, it is wise to compare a mix of major nationwide insurers and agile challenger brands. Northland can face specific weather-related risks (such as storms and heavy rainfall from ex-tropical cyclones), so getting multiple quotes helps you compare how different providers assess location-based risk and pricing.

The primary insurance providers and comparison avenues in New Zealand to request quotes from include:

  • Tower — Winner of Canstar's Home & Contents Insurer of the Year Award, Tower uses address-level risk-based pricing and offers flexible tiers (Standard, Plus, and Premium). [Canstar NZ]

  • AMI — A well-established nationwide insurer holding high ratings for outstanding value on their Plus policies, with robust local support options. [Canstar NZ]

  • State Insurance — Provides comprehensive contents policies that include practical inclusions like temporary accommodation and specific limits for items away from home.

  • Trade Me Insurance — Underwritten by major insurers, they frequently score high ratings for value and offer a streamlined online quote and signup process. [Canstar NZ]

  • AA Insurance — Highly rated for customer service and satisfaction, offering comprehensive contents cover with multi-policy discounts if you bundle car or home insurance.

  • FMG (Farmers Mutual Group) — Particularly strong if you live rurally, on a lifestyle block, or farm in the wider Northland region. [State Insurance NZ]

  • Turners / Cove / Initio — Digital-first or alternative broker options worth checking for competitive online-only pricing.

To get a comprehensive overview of how these stack up against each other regarding benefits and pricing, you can consult the MoneyHub Contents Insurance Guide or review ratings on Canstar New Zealand. Compare Home & Contents Insurance | Canstar

To help narrow this down, could you tell me:

  • Are you insuring contents for a rental property or a home you own?
  • Do you have any high-value items (like jewellery, art, or specialized equipment) or a lifestyle block/rural property that might need specialized extensions?
Ask anything

Captured 11 October 2026